OrionPagos

What OrionPagos does

OrionPagos is an Argentine fintech company founded in 2018 and headquartered in Mar del Plata that operates a self-managed direct-debit platform for recurring payment collection through Argentine bank accounts. The company processes payments via the BCRA (Banco Central de la República Argentina) National Interconnected Banking System, allowing businesses to debit customer CBU (bank account) credentials directly without relying on credit or debit cards. This positioning enables collection from any Argentine bank and any account type — including accounts held by legal entities such as companies, institutions, and organizations — which the company markets as a universal, non-presential collection mechanism unavailable through traditional card-based rails.

The core product is a Virtual Payment Terminal combined with a Home Payment capability, delivered as a self-service web platform where users upload collections by amount and chosen date, import customer and transaction data via copy-paste, and trigger one-click collections with no retry limits. The platform is supported by an API integration service that lets enterprise customers automate collection generation and result retrieval from their existing software. Transaction records are positioned as secured through blockchain technology to ensure immutability, functioning primarily as a trust and audit layer for the platform.

OrionPagos monetizes through a pure transaction-based take rate of 2.2% + IVA per successful collection, with a minimum of ARS 210 + IVA per transaction and no setup or fixed monthly fees. Preferential rates are offered to non-profits and to high-volume collectors such as real estate firms, construction companies, dealerships, and private neighborhoods. The go-to-market combines a product-led self-serve motion (web onboarding with copy-paste import) with a sales-led overlay (phone and WhatsApp advisory consultation), targeting small and medium organizations as the primary segment, supplemented by institutions, real estate/construction, and non-profits across verticals including alarm monitoring, social clubs, schools, and prepaid healthcare.

Name

OrionPagos

Website

https://orionpagos.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

OrionPagos provides a self-managed direct-debit platform that lets Argentine businesses collect recurring payments from any bank account via the BCRA National Payment System, targeting SMBs, institutions, real estate, and non-profits with a 2.2% per-transaction fee.

Ownership category

akta.pro rank

Product category

Direct Bank Debit Payment Processing

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Payment Orchestration Platforms (FSAGABAA)

akta.pro secondary industry

Payment Gateways & Orchestration (BPAMAFAA)

Keywords

• Direct bank debit
• Recurring payment collection
• Payment processing platform
• CBU debit collection
• Electronic payment services

Headquarters

HQ city

Mar Del Plata

HQ country

Argentina

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Transaction Fees - Commercial e Institucional: 2.2% + IVA per successful transaction with a minimum of $210 + IVA per transaction. No setup cost or fixed monthly fees. Suitable for commercial businesses, institutions, and organizations collecting payments.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

OrionPagos provides a self-managed direct debit platform that enables businesses to collect recurring payments (installments, credits, services, subscriptions) from Argentine bank accounts via CBU. The platform operates through the BCRA National Interconnected Banking System, supports all account types including legal entity accounts, and uses Blockchain technology for transaction record integrity. It offers a self-service web interface with copy-paste import functionality and API integration for automated collection processing.

Product overview

OrionPagos is a single-product financial technology company offering a Virtual Payment Terminal + Home Payment service that enables direct bank debits via CBU. The core offering is the Orion Pagos Platform, a self-managed system for uploading and scheduling collections, with an optional API Integration module for connecting to existing business software. The Débito Bancario Directo service processes payments through Argentina's BCRA National Payment System. The product is designed for businesses collecting installments, credits, and services, with different pricing tiers for commercial/institutional clients, non-profits, and large-amount collectors.

Differentiator

Problem solved

Functional benefit

Products and services

• Terminal de Pago Virtual + Home Payment (Direct Bank Debit Platform) A virtual payment terminal that enables direct bank debits via CBU (bank account numbers), allowing businesses to collect recurrent payments such as installments, credits, and services through Argentina's national banking system. Designed for SMBs and institutions that previously lacked access to enterprise-grade collection tools.

Quantifiable outcome

• Significant reduction in delinquency rates as automatic collection eliminates reliance on member remembering to pay
• +2 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• BCRA (Banco Central de la República Argentina)coreTechnology or IntegrationOrionPagos operates through the BCRA National Payment System, utilizing the same infrastructure as home banking systems. This provides full banking system guarantees for both account holders making payments and clients collecting payments. The regulatory connection enables nationwide reach with all Argentine banks.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• PagoMisCuentas: Argentina's main bank-issued direct-debit and recurring-payment platform, operated by Red Link/Coelsa. Directly competes with OrionPagos's core CBU-based debit offering for institutional and SMB collection use cases in Argentina.

Regional players

• Kushki: Latin American payment infrastructure and orchestration provider operating across multiple countries. Adjacent competitor to OrionPagos in SMB payment-orchestration, though broader in geographic and rail coverage.
• GoCardless: UK-headquartered direct-debit and recurring-payment platform that has expanded globally. Operates a near-identical business model to OrionPagos (bank-direct debit orchestration for recurring SMB collections) and is the closest international model comparable.
• Conekta: Mexico-based payment orchestration and processing platform serving SMBs and platforms across Latin America. Comparable to OrionPagos in offering payment-orchestration infrastructure, but focused on card rails rather than direct-debit specialization.

Broad incumbents

• Modo: Argentine bank-consortium payment app combining account-to-account transfers and payments from over 30 local banks. Overlaps with OrionPagos in bank-direct payment collection, especially for SMB and institutional clients already transacting via home banking rails.
• Mercado Pago: Argentina's largest digital payments platform, offering cards, QR, and increasingly recurring-payment APIs. Competes broadly with OrionPagos in SMB and institutional payment collection, but as part of a much wider fintech portfolio rather than a specialized direct-debit focus.
• Naranja X: Argentine fintech offering cards, accounts, QR and SMB payment services through the Tarjeta Naranja ecosystem. Competes for the same SMB recurring-collection wallet, though with a broader consumer-finance bundle rather than pure direct-debit specialization.

Emerging players

• Ualá: Argentine fintech with a prepaid card, app-based account, and growing SMB payments and lending product. Overlaps with OrionPagos on recurring collections for SMBs and is an emerging threat given its large consumer user base and venture backing.
• BIND (Banco Industrial): Argentine digital bank offering SMB accounts, payments, and embedded financial services. Overlaps with OrionPagos in the SMB recurring-collection space through its account-based payment APIs and embedded finance offerings.
• Todo Pago: Argentine online payment gateway historically operated by Banco Santander and now aligned with Mercado Pago. Provides payment-gateway and collection services to SMBs and competes with OrionPagos in the recurring-online-collection niche.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/orionpagos

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about OrionPagos